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The Subaru Legacy is a great choice if you’re in the market for a midsize sedan. It starts at around $20,000, making it a very affordable choice for its class. However, an attractive MSRP isn’t everything that a new car buyer should be looking out for. It’s always important to take into consideration the costs of ownership. What will car insurance cost you? To learn how to save on your monthly Subaru Legacy insurance premium, continue reading.
The AWD makes the Legacy an easy choice for those who want an extra degree of control behind the wheel. This car will provide you with a relatively smooth ride, though if you’re looking for a sportier car, you might consider Subaru’s Impreza.
This midsize sedan comes in a wide variety of trim-levels including. The trim levels with the 2.5 in the title denote the 2.5 liter 4 cylinder engine, and those trim levels with the 3.6 in the title denote the Legacy with the 3.6 liter 6 cylinder engine. While the 2.5’s provide ample power, those that want a spirited ride might consider the 3.6 trims. However, the fuel economy is lackluster when you upgrade to the V6.
The base model comes standard with such features as: air-conditioning, electronic park brake, and CD stereo. However, as you upgrade through the trims you will see amenities such as: leather seating, automatic climate control, and a premium stereo.
There are a variety of risk factors that can help or harm you when an insurer is determining your premium. Most notably, demographics, location, and previous driving history are important.
For example, if you’re male, under 25 and live in an area that sees high volumes of traffic congestion, your rates are going to rise. Men have been statistically proven to be more aggressive drivers, drivers under 25 are considered inexperienced, and traffic congestion places you at a higher risk of being in an accident. Your insurer will likely raise your premium since you pose a higher risk to insure.
However, if your driving history is free of traffic citations or accident reports, you could see a decrease in your monthly insurance premium.
Always remember to shop around. Get at least 3 quotes from different insurers as a rule of thumb. Not all of them will have the same incentives of discounts, so this is perhaps the best way to save.
Safety ratings can help lower your premium. The 2012 Legacy has been rated 5/5 stars for rollover crash tests by the federal government, and has scored 4/5 stars on frontal crash tests. Likewise the IIHS has tested the 2012 Legacy, and recognized it as a Top Safety Pick. This is significant because this means it received the highest possible scores in all crash tests.
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